Best Life Insurance for People With High Cholesterol in 2025 (Top 10 Companies Ranked)

Find the best life insurance for people with high cholesterol with Gerber Life, Banner Life, and Nationwide, starting at $18 per month.Gerber Life offers affordable plans for medical conditions, Banner Life provides flexible policy options, and Nationwide ensures low rates with trusted service.

Our Top 10 Company Picks: Best Life Insurance for People With High Cholesterol

These companies focus on your life insurance coverage for individuals with high cholesterol needs and well-being.

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#1 – Gerber Life: Top Overall Pick

Pros

• Affordable Rates: Gerber Life offers life insurance for high cholesterol, starting at $18 per month.
  
• Flexible Coverage: Offers various options suitable for individuals with high cholesterol.
  
• Easy Application: The process is easy and fast for those managing high cholesterol. Check out our Gerber Life Grow-Up Plan Review.

Cons

• Limited Features: Some plans might not have as many features as others. This could be a problem for people looking into topics like high cholesterol and life insurance.
• Customer Service: Some customers say resolving claims takes longer than expected. This could be an issue for those with high cholesterol who need life insurance.

#2 – Banner Life: Best for Healthy Lifestyles

Pros

• Customizable Plans: According to our Banner Life Insurance Review, the company provides the best life insurance for people with high cholesterol, offering flexible plans starting at $20/mo.
  
• Affordable Pricing: Banner Life has competitive rates, even for high-cholesterol clients.
  
• Easy Underwriting: The simplified process helps people with high cholesterol secure coverage easily.

Cons

• Fewer Discounts: Banner Life offers limited discounts, which can increase costs for individuals seeking high cholesterol insurance.
  
• Slow Response Times: Some customers with life insurance and high cholesterol report claims or customer service delays.

#3 – Nationwide: Best for Comprehensive Coverage

Pros

• Excellent Support: Nationwide provides reliable customer service for those with high cholesterol, starting at $28/mo.
  
• Robust Coverage Options: Nationwide offers flexible plans for individuals managing high cholesterol. Learn more in our Nationwide Life Insurance Review.
• Wide Availability: Available in most states, providing access to high cholesterol life insurance options for many customers.

Cons

• Higher Costs: Premiums for high cholesterol term insurance may be higher than competitors’ rates for similar coverage.
  
• Limited Online Features: Some users with high cholesterol find online policy management tools insufficient.

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#4 – State Farm: Best for Excellent Support

Pros

• Discount Opportunities: State Farm offers competitive rates for high cholesterol and additional savings when bundling policies, starting at $32/mo.
  
• Financial Stability: State Farm is known for its financial strength in high cholesterol coverage, making it a reliable choice for long-term coverage. Check our State Farm life insurance review for more details.
• Flexible Plans: Policies can be adjusted to suit personal needs, including for people with high cholesterol.
  

Cons

• Higher Costs: Premiums may be higher even with high cholesterol discounts than other providers.
  
• Limited Online Tools: Some individuals with high cholesterol find the website harder to navigate than others.

#5 – Prudential: Best for Flexible Policies

Pros

• Affordable Premiums: Prudential provides life insurance for those with high cholesterol, starting at $24/mo.
  
• Flexible Coverage Options: Prudential has flexible plans tailored to meet the needs of individuals with high cholesterol.
  
• Excellent Reputation: Prudential is known for its strong reputation in the life insurance industry and reliable service. Read more in our Prudential Life Insurance Company Review.

Cons

• Complex Application: The application process may be more complex than other insurers, which could be a drawback for some life insurance policies for high-cholesterol individuals.
• Higher Premiums for Older Applicants: Premium rates can increase significantly for older applicants, especially those with high cholesterol.

#6 – Transamerica: Best for Long Term

Pros

• Strong Financial Stability: Transamerica is financially strong, making it a reliable option for individuals with high cholesterol.
• Customizable Policies: Transamerica offers very customizable policies based on the specific needs of people with high cholesterol.
• Diverse Coverage Options: The company offers individuals with high cholesterol a wide range of coverage options, ensuring flexibility. Read our Transamerica life insurance review for more information.

Cons

• Complex Claims Process: Some customers experience complications in processing claims, which is very frustrating.
  
• Limited Discounts: Transamerica offers fewer discounts than other high-cholesterol life insurance providers, which may affect affordability.

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#7 – Guardian: Best for Permanent Life Insurance

Pros

• Affordable Plans: The Guardian is one of the best life insurance providers for people with high cholesterol, starting at $30/mo.
  
• Comprehensive Coverage: The Guardian provides comprehensive coverage, which is a good reason for those with high cholesterol to choose The Guardian as their life insurer.
  
• Financial Stability: The Guardian is known for its long-term financial stability, which ensures policyholders peace of mind. Find out more in our Guardian Life Insurance Review.

Cons

• Higher Premiums: The company charges much higher premiums, based on higher cholesterol counts, than others.
  
• Limited Digital Tools: Some customers with higher cholesterol find their digital tools less user-friendly than competitors.

#8 – MassMutual: Best for Whole Life Policies

Pros

• Affordable Premiums: MassMutual offers the best life insurance for people with high cholesterol, starting at $25/mo.
  
• Comprehensive Policies: MassMutual provides comprehensive life insurance options for individuals with high cholesterol.
  
• Strong Customer Service: MassMutual is recognized for excellent customer support, ensuring policyholders get the needed help. Discover more in our MassMutual Life Insurance Review.

Cons

• Complex Underwriting Process: MassMutual’s underwriting process can be lengthy, potentially delaying coverage for those with high cholesterol.
• Limited Discounts: MassMutual offers fewer discounts than other insurers, which might make it less affordable for those seeking affordable life insurance with high cholesterol.

#9 – John Hancock: Best for Health Rewards

Pros

• Unique Wellness Program: John Hancock provides a distinctive wellness program that incentivizes healthy habits, especially for individuals with high cholesterol, with rates at $35 per month.
  
• Flexible Coverage: John Hancock’s flexible coverage options are perfect for individuals with high cholesterol. Learn more in our John Hancock Life Insurance Company Review.
• Competitive Pricing: John Hancock offers value for money, even for those with high cholesterol and life insurance rates that might otherwise be higher.

Cons

• Higher Costs: John Hancock’s premiums tend to be higher than some other companies, particularly for those with high cholesterol.
  
• Complex Application: The application process for life insurance options for high cholesterol might be more involved, which could deter some individuals.

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#10 – AIG: Best for Customizable Plans

Pros

• International Coverage: AIG provides the best life insurance for people with high cholesterol, offering global coverage options starting at $22 per month.
• Strong Financial Rating: AIG has strong financial backing, ensuring policyholders have reliable protection. Get more details in our AIG Life Insurance Review.
• Affordable Rates: AIG offers affordable rates for individuals with high cholesterol, making it a good choice for global coverage.

Cons

• Limited Customer Service: Some customers report challenges in reaching customer service for inquiries.
• Complex Policy Options: AIG offers a wide range of options, which can be confusing for those unfamiliar with life insurance policies.

High Cholesterol Life Insurance Policy

High cholesterol can complicate life insurance applications but doesn’t make coverage impossible. Insurance companies assess your overall health, including life insurance with high cholesterol levels, to determine your risk. Insurers may still offer competitive rates if your cholesterol is controlled through medication, diet, or exercise.

People With High Cholesterol Life Insurance Monthly Rates by Provider & Coverage Level

Understanding high cholesterol life insurance rates and life insurance cholesterol guidelines can help you navigate your options effectively. When you apply, you may need to take a medical exam to check your cholesterol. Knowing this helps you better prepare and manage your condition while finding the right coverage.

Insurers look at your total cholesterol, LDL (bad cholesterol), HDL (good cholesterol), and triglycerides. Controlled levels often result in better rates, even if your total cholesterol is slightly higher than average. Finding the right high-cholesterol term insurance starts with shopping around and comparing policies to ensure you’re treated fairly.

Read More: What is an instant life insurance policy?

If you’re worried about higher costs due to your cholesterol, consider looking into no-exam life insurance or plans designed for higher-risk individuals. These choices might cost more, but they can help you feel secure and take care of your family’s finances. A local insurance agent can help you find the right plan for your needs.

Top Life Insurance Providers Offering Discounts With High Cholesterol

Top life insurance providers offer discounts for individuals managing high cholesterol by promoting healthier lifestyles. AIG is a great option because it rewards non-smokers, healthy habits, and paid-in-full policies. Banner Life offers discounts for non-smokers, multi-policy holders, and certain occupations, appealing to professionals in low-risk fields. Here are some of the discounts that can help you save money when buying life insurance.

Life Insurance Discounts From the Top Providers for People With High Cholesterol

Gerber Life and Guardian Life offer discounts for non-smokers and encourage healthy lifestyles. Gerber also offers perks for safe driving and full payment policies. John Hancock’s Vitality Program, which sets itself apart, rewards policyholders for staying active and eating well. MassMutual and Nationwide offer similar benefits while adding discounts for bundling or long-term coverage.

State Farm and Prudential highlight healthy living and non-smoking rewards, including discounts for good driving and medical management. Transamerica and Guardian Life provide occupational discounts alongside healthy lifestyle benefits. Choosing the right provider ensures affordable coverage with rewards that fit your habits.

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Factors That Insurers Consider for Life Insurance With High Cholesterol

High cholesterol life insurance providers look at overall health risks when insuring people with high cholesterol. High cholesterol raises the chances of heart issues like heart attacks or strokes, affecting life expectancy. Insurers check the balance of HDL (good cholesterol) and LDL (bad cholesterol), along with total cholesterol. A better balance often means lower premiums, while high LDL or poor ratios can lead to higher costs or limited coverage.

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How well someone manages their cholesterol also matters. Using medication, eating a healthy diet, exercising, or making lifestyle changes can help. Insurers might ask for medical records or require a health exam to check how well the condition is controlled. Regular doctor visits and following treatment plans can improve your chances of getting good rates.

Other factors, such as age, weight, smoking, and family health history, also affect risk. For instance, a smoker with high cholesterol and a family history of heart problems is seen as riskier than a non-smoker. Insurers review the full health picture to decide on coverage and pricing. Check how life insurance companies determine your heart health for more details.

Term Life Insurance With High Cholesterol

Managing high cholesterol while applying for high cholesterol term life insurance can improve your chances of getting better rates. Start by working with your doctor to control cholesterol through diet, exercise, and medication if needed. Small changes, like eating less saturated fat, staying active, and quitting smoking, can make a big difference over time. Showing insurers you’re working to stay healthy may lead to lower premiums.

Be honest when sharing your health details with insurers. Provide recent cholesterol readings, medical records, and any treatment plans to avoid complications during the application process. Hiding details could result in higher costs or even denial of coverage. You might also benefit from consulting an insurance broker who understands high-risk applicants and can connect you with insurers open to working with your condition.

Shop around and compare providers, as some insurers are more flexible with applicants managing high cholesterol. Ask if they’ll adjust rates if your health improves. You can find a policy that suits your needs and budget by managing your health, being transparent, and exploring options. Here are the types of term life insurance available.

How Life Insurance Works for Individuals With High Cholesterol

There are many common life insurance policy trends for people with high cholesterol. For instance, people who do not update their medical records or regularly check with their primary care doctor tend to have higher life insurance cholesterol rates. However, high cholesterol life insurance quotes are lower for those who demonstrate health-conscious decisions by maintaining a controlled diet, exercising, and taking consistent medication prescribed for high cholesterol.

More importantly, people whose ratio is below 4.0 and whose cholesterol level falls within the range of 150 to 250 are best covered by the most desirable insurance policy. Over 250 is high; you must compare them with your HDL and LDL levels.

Lastly, committing to any term life insurance policy with rates you can afford is the best decision you can make once you consider all your life insurance options. Once you get approved for a budget-friendly life insurance policy, you may focus on improving your rating class with your company by putting first a healthy lifestyle, lowering your cholesterol, and showing good lab test results.

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High Cholesterol Levels and Heart Disease Indicate High Risk 

Cholesterol is not something bad. As a matter of fact, the body produces cholesterol to keep it healthy. Cholesterol can come into our bodies from the food that we digest. When you check your cholesterol, your doctor measures your high-density lipoprotein, or HDL, and your low-density lipoprotein, or LDL.

HDL cholesterol stops LDL cholesterol from clogging up your artery walls, which may cause obstruction in the blood flow and increase your chances of a heart attack or stroke. Keeping your HDL cholesterol at desirable levels will help you avoid having a stroke or a heart attack.

Learn More: How To Get Life Insurance With Heart Disease

Of course, insurance companies prefer covering individuals who are less likely to die. Hypercholesterolemia, based on the National Library of Medicine, is a term for the technically correct way to describe having high cholesterol; such may trigger heart attacks and strokes and has grave medical implications that might cause an untimely death.

Case Studies: Life Insurance Approval With High Cholesterol

Getting life insurance with high cholesterol can feel challenging, but it’s possible with the right steps. These case studies of John, Sarah, and Mark show how they handled their situations. They highlight the value of staying healthy, doing research, and being committed to finding the right coverage.

• Case Study #1 – John’s Life Insurance Approval: John was a 45-year-old male with high cholesterol. He wanted to find the best life insurance for his family. Despite this, he looked into different types of insurance, showing dedication to a healthy lifestyle through exercise, diet, and medication.
• Case Study #2 – Sarah’s Improvement: Sarah, 35, with high cholesterol, took proactive steps for life insurance approval. She followed her doctor’s advice with regular check-ins and treatments, monitoring her cholesterol levels and medications.
• Case Study #3 – Mark’s Healthy Lifestyle and Lower Premiums: Mark, a 50-year-old with high cholesterol, was determined to lower his life insurance premiums. He focused on maintaining a healthy lifestyle, including a controlled diet, regular exercise, and a consistent medication routine for his cholesterol. Mark’s commitment yields desirable HDL and optimal overall cholesterol.

These case studies show that having high cholesterol doesn’t mean you can’t get life insurance. By making positive lifestyle changes, working with doctors, and finding the right insurance providers, people like John, Sarah, and Mark were able to get the coverage they needed. Let their success motivate you to find the best life insurance for you.

Simplify your life insurance for people with high cholesterol by entering your ZIP code into our free quote comparison tool and finding coverage that fits your budget and needs.

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